118 E 7th St, Covington, KY 41011 Property Records

Kenton County property record for 118 E 7th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,110 sqft · built 1909
Lot Size	0.043 acres (1,872 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Apr 2019)
Tax Bill	$2,815 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-23-13-024.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-13-024.00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,110 sqft Finished Area
Gross Area	2,708 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Stone
Roof Material	Slate
Lot Area	1,872 sqft (0.043 acres)
Lot Dimensions	104 ft deep x 18 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	118 E 7TH ST
City	COVINGTON
State	KY
Zip	41011-2502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEMAIRE PT LOTS 1-2-3 18'X 104 2,3' NS 7TH
Legal Subdivision	LEMAIRE JACOB EST
Legal Lot Number	1,2
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2029
Census Tract	67000

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	118 E 7TH ST, COVINGTON, KY 41011-2502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2019 · Amount on Record
Deed Sale	Apr 17, 2019 · Amount on Record
Prior Sale	Apr 20, 2011 · Amount on Record
Deed Document Number	201904 17 059 00277
Deed Book / Page	6641 / 324
Record Updated	Oct 29, 2026

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Apr 17, 2019
Property Address	118 E 7TH ST, COVINGTON, KY 41011-2502
Document Number	0000000277
Book / Page	0C6641 / 000324
Instrument Date	May 24, 2018
Instrument	277
Transaction Type	Transfer
Record Updated	Apr 26, 2019
Title Company	ESQUIRE INTERSTATE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 FRONT ST PORTSMOUTH OH 456623821, PORTSMOUTH, OH 45662-3821

Mortgage

Document Number	278
Date	Apr 17, 2019
Book Page	0C6641/000327
Instrument	278

Lender

Name	DESCO FCU
Type	Credit Union
Address	PORTSMOUTH, OH 45662

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Apr 16, 2039

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$338,000 (+59.06%) Land $15,000 Building $323,000	$338,000 (+59.06%) Land $15,000 Building $323,000
2025	$2,815.00 (-0.53%)	$212,500 (-) Land $5,000 Building $207,500	$212,500 (-) Land $5,000 Building $207,500
2023	$2,830.00	$212,500 Land $5,000 Building $207,500	$212,500 Land $5,000 Building $207,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1978–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 656 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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